Indergiri Finance Ltd: Intrinsic Value & Share Price Analysis

Q: What is the current share price and 52-week range of Indergiri Finance Ltd?

Indergiri Finance Ltd is trading at 25.80 as of 07 April 2026, with a FY2026-2027 high of 36.6 and low of 14.7. The stock is currently in the middle of its 52-week range. Market cap stands at 13.1 Cr..

Q: Is Indergiri Finance Ltd financially healthy?

Key indicators: ROCE of 9.66 % is on the lower side. Dividend yield is 0.00 %.

Q: Is Indergiri Finance Ltd profitable and how is the profit trend?

Indergiri Finance Ltd reported a net profit of -2 Cr in Mar 2025 on revenue of 2 Cr. Compared to 0 Cr in Mar 2022, the net profit shows a mixed trend.

Fair Value

₹11.87Overvalued by 53.99%vs CMP ₹25.80

P/E (15.0) × ROE (44.3%) × BV (₹2.19) × DY (2.00%)

Defaults: P/E=15

₹3.83Overvalued by 85.16%vs CMP ₹25.80

MoS: -573.6% (Negative)Confidence: 55/100 (Moderate)Models: All 4: Overvalued

Model	Category	Value	Weight	Signal
PE-ROE	Earnings	₹8.09	40%	Over (-68.6%)
Net Asset Value	Assets	₹2.19	24%	Over (-91.5%)
EV/EBITDA	Enterprise	₹0.24	20%	Over (-99.1%)
ROCE Capital	Returns	₹0.12	16%	Over (-99.5%)
Consensus (4 models)		₹3.83	100%	Overvalued

Key Drivers: EPS CAGR -31.9% drags value — could be higher if earnings stabilize. | Wide model spread (₹0–₹8) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: -31.9% · Defaults: P/E=15

*Investments are subject to market risks

Investment Snapshot

Indergiri Finance Ltd scores 54/100 (Average)

Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison

Stock Health56/100 · Moderate

ROCE 9.7% AverageROE 44.3% ExcellentD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 2/5 years Inconsistent

Smart Money50/100 · Moderate

Promoter holding at 60.2% Stable

Earnings Quality60/100 · Moderate

Working capital: -80 days (improving) Efficient

Quarterly Momentum40/100 · Moderate

Profit (4Q): -6,300% YoY Declining

Industry Rank60/100 · Moderate

ROCE 9.7% vs industry 15.8% AverageROE 44.3% vs industry 8.8% Above peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: March 30, 2026, 4:22 am

Market Cap	13.1 Cr.
Current Price	25.8
Intrinsic Value	₹3.83
High / Low	36.6/14.7
Stock P/E
Book Value	2.19
Dividend Yield	0.00 %
ROCE	9.66 %
ROE	44.3 %
Face Value	10.0
PEG Ratio	0.00

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Indergiri Finance Ltd

Competitors

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Minolta Finance Ltd	15.2 Cr.	1.52	1.66/1.00		1.07	0.00 %	0.40 %	0.09 %	1.00
Money Masters Leasing & Finance Ltd	5.72 Cr.	0.57	2.05/0.55	8.54	1.57	0.00 %	4.42 %	3.94 %	1.00
Moneyboxx Finance Ltd	435 Cr.	62.3	123/44.0		40.1	0.00 %	8.65 %	0.58 %	10.0
Moongipa Capital Finance Ltd	12.4 Cr.	13.5	24.7/12.0	10.2	26.6	0.00 %	12.1 %	9.43 %	10.0
Morarka Finance Ltd	20.9 Cr.	46.4	138/42.1	11.3	238	2.16 %	2.46 %	2.17 %	10.0
Industry Average	22,241.21 Cr	369.74		101.56	513.16	0.26%	15.81%	8.84%	8.50

All Competitor Stocks of Indergiri Finance Ltd

Quarterly Result

Metric	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	0.41	0.16	0.13	0.17	0.22	0.27	0.41	0.53	0.69	0.59	0.33	0.18	0.28
Interest	0.02	0.00	0.00	0.23	0.05	0.07	0.14	0.19	0.21	0.21	0.36	0.44	0.25
Expenses	0.11	0.35	0.24	0.11	0.64	0.09	0.51	0.46	0.36	2.37	0.30	1.25	1.46
Financing Profit	0.28	-0.19	-0.11	-0.17	-0.47	0.11	-0.24	-0.12	0.12	-1.99	-0.33	-1.51	-1.43
Financing Margin %	68.29%	-118.75%	-84.62%	-100.00%	-213.64%	40.74%	-58.54%	-22.64%	17.39%	-337.29%	-100.00%	-838.89%	-510.71%
Other Income	0.05	0.03	0.00	0.03	0.01	-0.02	0.13	0.09	0.01	-0.08	0.00	0.01	1.27
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit before tax	0.33	-0.16	-0.11	-0.14	-0.46	0.09	-0.11	-0.03	0.13	-2.07	-0.33	-1.50	-0.16
Tax %	15.15%	-25.00%	0.00%	0.00%	0.00%	22.22%	0.00%	33.33%	-7.69%	-25.12%	0.00%	-13.33%	-162.50%
Net Profit	0.28	-0.12	-0.11	-0.14	-0.46	0.07	-0.11	-0.04	0.13	-1.55	-0.34	-1.31	0.10
EPS in Rs	0.55	-0.24	-0.22	-0.28	-0.91	0.14	-0.22	-0.08	0.26	-3.06	-0.67	-2.59	0.20
Gross NPA %
Net NPA %

Last Updated: March 3, 2026, 9:04 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 18, 2026, 11:33 am

Metric	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	0.69	0.67	0.97	0.41	0.45	0.45	0.41	0.38	0.37	0.79	0.80	2.23	1.38
Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.12	0.75	1.26
Expenses	0.69	0.67	0.86	0.37	0.38	0.40	0.39	0.36	0.28	0.75	1.31	3.69	5.38
Financing Profit	0.00	0.00	0.11	0.04	0.07	0.05	0.02	0.02	0.09	0.04	-0.63	-2.21	-5.26
Financing Margin %	0.00%	0.00%	11.34%	9.76%	15.56%	11.11%	4.88%	5.26%	24.32%	5.06%	-78.75%	-99.10%	-381.16%
Other Income	0.00	0.02	0.00	0.00	0.00	0.00	0.00	0.02	0.00	0.00	0.01	0.13	1.20
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.00
Profit before tax	0.00	0.02	0.11	0.04	0.07	0.05	0.02	0.04	0.09	0.04	-0.62	-2.09	-4.06
Tax %		50.00%	36.36%	25.00%	28.57%	20.00%	50.00%	0.00%	266.67%	75.00%	3.23%	-24.88%
Net Profit	0.00	0.02	0.08	0.03	0.05	0.03	0.01	0.03	-0.15	0.01	-0.65	-1.57	-3.10
EPS in Rs	0.00	0.04	0.16	0.06	0.10	0.06	0.02	0.06	-0.30	0.02	-1.28	-3.10	-6.12
Dividend Payout %		0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024	2024-2025
YoY Net Profit Growth (%)	300.00%	-62.50%	66.67%	-40.00%	-66.67%	200.00%	-600.00%	106.67%	-6600.00%	-141.54%
Change in YoY Net Profit Growth (%)	0.00%	-362.50%	129.17%	-106.67%	-26.67%	266.67%	-800.00%	706.67%	-6706.67%	6458.46%

Indergiri Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 10 years from 2015-2016 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:	13%
5 Years:	40%
3 Years:	82%
TTM:	100%

Compounded Profit Growth
10 Years:	%
5 Years:	%
3 Years:	%
TTM:	-181%

Stock Price CAGR
10 Years:	15%
5 Years:	37%
3 Years:	67%
1 Year:	-35%

Return on Equity
10 Years:	-4%
5 Years:	-10%
3 Years:	-17%
Last Year:	-44%

Last Updated: September 5, 2025, 3:46 pm

Balance Sheet

Last Updated: February 1, 2026, 3:01 am

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
Equity Capital	5.06	5.06	5.06	5.06	5.06	5.06	5.06	5.06	5.06	5.06	5.06	5.06	5.06
Reserves	-0.16	-0.14	-0.06	-0.02	0.01	0.04	0.05	0.07	-0.08	-0.07	-0.73	-2.30	-3.95
Borrowing	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	3.72	16.93	13.48
Other Liabilities	0.22	0.03	0.08	0.14	0.22	0.33	0.25	0.19	0.17	0.26	0.31	0.94	3.92
Total Liabilities	5.12	4.95	5.08	5.18	5.29	5.43	5.36	5.32	5.15	5.25	8.36	20.63	18.51
Fixed Assets	0.00	0.00	0.00	0.00	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.01	0.02	0.02	0.02	0.02	0.02	0.02	0.62	0.62	0.01	0.01	0.01	0.01
Other Assets	5.11	4.93	5.06	5.16	5.26	5.40	5.33	4.69	4.52	5.23	8.34	20.61	18.49
Total Assets	5.12	4.95	5.08	5.18	5.29	5.43	5.36	5.32	5.15	5.25	8.36	20.63	18.51

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity +	0.04	0.35	-0.33	-0.06	0.00	-0.01	0.01	0.73	0.30	-0.30	-3.98	-12.72
Cash from Investing Activity +	0.00	-0.01	0.00	0.00	-0.02	0.00	0.00	-0.60	0.00	0.60	0.03	-0.03
Cash from Financing Activity +	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	3.62	12.48
Net Cash Flow	0.04	0.34	-0.33	-0.06	-0.02	-0.01	0.01	0.13	0.30	0.30	-0.33	-0.27
Free Cash Flow	0.04	0.35	-0.33	-0.06	-0.02	-0.01	0.01	0.73	0.30	-0.31	-3.99	-12.72
CFO/OP			-264%	-125%	71%	60%	200%	3,800%	456%	-700%	780%	871%

Free Cash Flow

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Free Cash Flow	0.69	0.67	0.86	0.37	0.38	0.40	0.39	0.36	0.28	0.75	-2.41	-13.24

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days	206.30	185.22	142.99	365.00	308.22	0.00	0.00	0.00	0.00	0.00	0.00	1.64
Inventory Days	179.06	37.24	24.75							0.00
Days Payable	0.00	0.00	0.00
Cash Conversion Cycle	385.36	222.47	167.74	365.00	308.22	0.00	0.00	0.00	0.00	0.00	0.00	1.64
Working Capital Days	2,528.55	2,342.54	1,821.24	4,388.90	535.33	162.22	160.24	144.08	118.38	-60.06	36.50	-80.20
ROCE %	0.00%	0.41%	2.22%	0.80%	1.38%	0.98%	0.39%	0.78%	1.78%	0.80%	-7.67%	-9.66%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	60.21%	60.21%	60.21%	60.21%	60.11%	60.11%	60.11%	60.11%	60.11%	60.11%	60.22%	60.22%
Public	39.79%	39.79%	39.79%	39.79%	39.89%	39.89%	39.89%	39.88%	39.89%	39.89%	39.79%	39.79%
No. of Shareholders	1,434	1,423	1,426	1,538	1,613	1,649	1,747	1,760	1,741	1,750	1,770	1,798

Shareholding Pattern Chart

No. of Shareholders

Indergiri Finance Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

This stock is not held by any mutual fund.

ROCE / ROE Trend

EPS Trend

Key Financial Ratios

Month	Mar 25	Mar 24	Mar 23	Mar 22	Mar 21
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	-3.11	-1.28	0.02	-0.30	0.05
Diluted EPS (Rs.)	-3.11	-1.28	0.02	-0.30	0.05
Cash EPS (Rs.)	-3.09	-1.27	0.02	-0.29	0.05
Book Value[Excl.RevalReserv]/Share (Rs.)	5.45	8.55	9.87	9.85	10.15
Book Value[Incl.RevalReserv]/Share (Rs.)	5.45	8.55	9.87	9.85	10.15
Revenue From Operations / Share (Rs.)	4.40	1.56	1.40	0.72	0.75
PBDIT / Share (Rs.)	-2.64	-0.98	0.08	0.18	0.07
PBIT / Share (Rs.)	-2.65	-0.99	0.07	0.17	0.06
PBT / Share (Rs.)	-4.13	-1.24	0.07	0.17	0.06
Net Profit / Share (Rs.)	-3.11	-1.28	0.01	-0.29	0.04
PBDIT Margin (%)	-59.94	-63.29	5.82	25.07	9.49
PBIT Margin (%)	-60.25	-63.79	5.22	24.50	8.93
PBT Margin (%)	-93.87	-79.45	5.22	24.50	8.93
Net Profit Margin (%)	-70.63	-82.09	1.37	-40.93	6.65
Return on Networth / Equity (%)	-57.05	-14.94	0.19	-3.02	0.49
Return on Capital Employeed (%)	-48.31	-11.43	0.73	1.81	0.66
Return On Assets (%)	-7.62	-7.73	0.18	-2.98	0.48
Total Debt / Equity (X)	6.40	0.88	0.00	0.00	0.00
Asset Turnover Ratio (%)	0.15	0.11	0.13	0.07	0.07
Current Ratio (X)	1.12	2.10	20.60	72.35	72.07
Quick Ratio (X)	1.12	2.10	20.59	71.49	71.27
Inventory Turnover Ratio (X)	0.00	918.66	0.00	0.00	0.00
Interest Coverage Ratio (X)	-1.78	-4.04	0.00	0.00	0.00
Interest Coverage Ratio (Post Tax) (X)	-1.10	-4.24	0.00	0.00	0.00
Enterprise Value (Cr.)	30.74	31.49	2.54	1.23	1.37
EV / Net Operating Revenue (X)	13.80	39.95	3.60	3.34	3.59
EV / EBITDA (X)	-23.03	-63.12	61.85	13.31	37.83
MarketCap / Net Operating Revenue (X)	5.95	35.62	4.67	4.57	3.99
Price / BV (X)	4.81	6.49	0.66	0.33	0.29
Price / Net Operating Revenue (X)	5.95	35.63	4.67	4.57	3.99
EarningsYield	-0.11	-0.02	0.00	-0.08	0.01

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Indergiri Finance Ltd. is a Public Limited Listed company incorporated on 27/01/1995 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L65923MH1995PLC161968 and registration number is 161968. Currently Company is involved in the business activities of Other credit granting. Company's Total Operating Revenue is Rs. 2.23 Cr. and Equity Capital is Rs. 5.06 Cr. for the Year ended 31/03/2025.

INDUSTRY	ADDRESS	CONTACT
Non-Banking Financial Company (NBFC)	Unit No. 806, B Wing 8th Floor, Kanakia Wall Street, Mumbai Maharashtra 400093	Contact not found

Management
Name	Position Held
Mr. Datta Joshi	Chairperson & Independent Director
Mr. Shanker Wunnava	Managing Director & CFO
Mr. Dineshchandra Babel	Independent Director
Mr. Ashok Kumar Agarwal	Independent Director
Mr. Roshan Shah	Director
Mrs. Neelam Mishra	Director
Mr. Mohit Agarwal	Director

FAQ

What is the intrinsic value of Indergiri Finance Ltd and is it undervalued?

As of 07 April 2026, Indergiri Finance Ltd's intrinsic value is ₹3.83, which is 85.16% lower than the current market price of ₹25.80, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (44.3 %), book value (₹2.19), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Indergiri Finance Ltd?

Indergiri Finance Ltd is trading at ₹25.80 as of 07 April 2026, with a FY2026-2027 high of ₹36.6 and low of ₹14.7. The stock is currently in the middle of its 52-week range. Market cap stands at ₹13.1 Cr..

How does Indergiri Finance Ltd's P/E ratio compare to its industry?

Indergiri Finance Ltd has a P/E ratio of , which is below the industry average of 101.56. This is broadly in line with or below the industry average.

Is Indergiri Finance Ltd financially healthy?

Key indicators for Indergiri Finance Ltd: ROCE of 9.66 % is on the lower side compared to the industry average of 15.81%; ROE of 44.3 % shows strong shareholder returns. Dividend yield is 0.00 %.

Is Indergiri Finance Ltd profitable and how is the profit trend?

Indergiri Finance Ltd reported a net profit of ₹-2 Cr in Mar 2025 on revenue of ₹2 Cr. Compared to ₹0 Cr in Mar 2022, the net profit shows a mixed trend.

Does Indergiri Finance Ltd pay dividends?

Indergiri Finance Ltd has a dividend yield of 0.00 % at the current price of ₹25.80. The company is currently not paying meaningful dividends.